Virginia has 8,705,170 residents. We list 65 agencies for inland marine insurance in Virginia. Here is what the local numbers say about the cover people here need.

Virginia at a glance

65inland marine insurance agencies listed
32.7%of households rentRenters insurance
$383,700median home valueHome insurance
1984median year homes were builtRebuild cost calculator
6.1%of households have no carAuto insurance
4.3%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across Virginia

How many of Virginia’s 129 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

Strong wind9 of 129 counties
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Virginia
Lightning7 of 129 counties
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Virginia
Winter weather6 of 129 counties
Coastal flooding2 of 129 counties
Very High in Accomack County.
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance in every state
Ice storm2 of 129 counties
Hurricane1 of 129 counties
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance in Virginia

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in Virginia

Virginia requires drivers to carry at least $50,000 of bodily injury liability per person, $100,000 per accident and $25,000 of property damage liability, often written 50/100/25. It also requires uninsured and underinsured motorist coverage ($50,000 per person, $100,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Virginia How much liability cover do you need?

Source: law.lis.virginia.gov, limits in force since 2025-01-01. Checked 2026-10-24.

Insurance companies Virginia agencies work with

Of the 65 Virginia agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers59 agencies
Travelers (Standard Fire)46 agencies
The Hartford37 agencies
Liberty Mutual36 agencies
Safeco33 agencies
Nationwide30 agencies
Liberty Mutual (Safeco)28 agencies
Chubb24 agencies
Employers24 agencies
Mercury24 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Inland Marine insurance in Virginia

All insurance agencies in Virginia · Inland Marine insurance in every state

Where can I find inland marine insurance in Virginia?

Pick your city in the list on this page to see every agency there that offers inland marine insurance, or search by name or ZIP code.

What does inland marine insurance cover?

Covers goods, tools and equipment while in transit or away from your premises.

Which insurance companies do Virginia agencies work with?

Among the 65 Virginia agencies whose appointments we hold, the companies they are most often appointed with are Travelers (59), Travelers (Standard Fire) (46), The Hartford (37), Liberty Mutual (36), Safeco (33). An appointed agency can quote that company's policies.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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